Temporary Total Disability

Updated: 29 February 2024

What Does Temporary Total Disability Mean?

A temporary total disability is an injury or an illness that causes a person to be completely disabled for a temporary and fixed amount of time. Distinguishing a temporary total disability from a permanent total disability is relevant for workers' compensation claims.

Insuranceopedia Explains Temporary Total Disability

Someone who experiences a temporary total disability will not be capable of performing any of their job duties for the duration of their recovery. For example, a blue collar worker who hurts their back may be unable to engage in manual labor for several months.

Workers who experience a temporary total disability often qualify for full disability or workers' compensation claims. This means they can receive full benefits while they are disabled to make up for their lost income and cover some expenses associated with the disability.

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